#01-06-20

[chick-it-out]

[sugdensdingle]

Affair era 2015 (2014)

[slapthebass]

@ZqaeP on Twitter

[lance-thunder-reporting-live]

Good morning Amity Park, I'm your weatherman, Lance Thunder. Today's Friday, January 20, and there is a 0% chance of rain. Highs are in the mid thirties while lows are in the high twenties.

No ghosts attacked yesterday, but an unknown interference suspected to be caused by ghosts blocked all electrical signals. This issue has been fixed since.

Chewy, a very large black cat with green eyes has gone missing. Chewy has a green collar with a jingle bell and his nametag and went missing two days ago. He was last seen near the intersection at 5th and Sergeant. If found, please call 918-221(3902)

The Fentons will likely not be driving today so the roads are safe.

[cyarskj1899]

the sopranos premiered twenty five years ago this week

The Sopranos is an American crime dramatelevision series created by David Chase. The series revolves around Tony Soprano (James Gandolfini), a New Jersey-based Italian-American mobster who struggles to balance his family life with his role as the leader of a criminal organization, which he reluctantly explores during therapy sessions with psychiatrist Jennifer Melfi (Lorraine Bracco). The series also features Tony's various family members, Mafia colleagues, and rivals in prominent roles—most notably his wife Carmela (Edie Falco) and his protégé and distant cousin Christopher Moltisanti (Michael Imperioli).

Having been greenlit in 1997, the series was broadcast on HBO from January 10, 1999, to June 10, 2007, spanning six seasons and 86 episodes. Broadcast syndication followed in the U.S. and internationally. The Sopranos was produced by HBO, Chase Films, and Brad Grey Television. It was primarily filmed at Silvercup Studios in New York City, with some on-location filming in New Jersey. The executive producers throughout the show's run were Chase, Brad Grey, Robin Green, Mitchell Burgess, Ilene S. Landress, Terence Winter, and Matthew Weiner.

Widely regarded as one of the greatest and most influential television series of all time, The Sopranos has been credited with kickstarting the Second Golden Age of Television. The series won a multitude of awards, including Peabody Awards for its first two seasons, 21 Primetime Emmy Awards, and five Golden Globe Awards. It has been the subject of critical analysis, controversy, and parody; it has also spawned books, a video game, soundtrack albums, podcasts, and merchandise. Several members of the show's cast and crew were largely unknown to the public when it began, but have since had successful careers. In 2013, the Writers Guild of America named The Sopranosthe best-written TV series of all time, while TV Guide ranked it the best television series of all time. In 2016 and 2022, the series came in first place on the Rolling Stone list of the 100 greatest TV shows of all time.

In March 2018, New Line Cinema announced that they had purchased a film detailing the show's background story, set in the 1960s and 1970s during and after the Newark riots. The film, The Many Saints of Newark (2021), was written by Chase and Lawrence Konner and directed by Alan Taylor. It starred Gandolfini's son Michael Gandolfini as a young Tony Soprano.

what is your favorite episode/moment/season from the series

[liyahsim]

[Falling for November] Collection

Hi!

This collection is designed for those Sims who seek authenticity and sophistication with a rebellious edge, featuring a rich and bold color palette in deep wine, black, army green, mustard yellow, electric blue, red, purple, and brown.

The collection is perfect for making a statement with a mix of textures and intense colors, with leather as the ultimate protagonist of an imposing and timeless aesthetic!

Check the full collection here

ITEMS

Leather Jacket with Dress

Leather Jacket

Leather Skirt

Leather Skirt v2

Asimetrical Top

Cargo Pants

Wool Sweater

Chained Moccasins

Leather Tall Boots

SWATCHES

*The ones in green are extra swatches inspired in Life and Dead expansion, I thougth at something for the sims who are in the new Reaper Career  or for the sims with the macabre trait 💀💪.

RELEASE DATES

Leather Jacket with Dress [15/11/2024 EARLY ACCESS] //  [13/12/2024 PUBLIC ACCESS]

Leather Jacket + Leather Skirt [22/11/2024 EARLY ACCESS] //  [20/12/2024 PUBLIC ACCESS]

Asimetrical Top + Cargo Pants [29/11/2024 EARLY ACCESS] //  [27/12/2024 PUBLIC ACCESS]

Wool Sweater + Leather Skirt [06/12/2024 EARLY ACCESS] //  [03/01/2025 PUBLIC ACCESS]

Chained Moccasins + Leather Tall Boots [13/12/2024 EARLY ACCESS] //  [10/01/2025 PUBLIC ACCESS]

Hope you like it! 🧡

@maxismatchccworld ​ @sssvitlanz @coffee-cc-finds  @sims4finds @lanaccfind  @cchunters @ccfinds @c12ccfinds @mmoutfitters @mmfinds @emilyccfinds @redheadsims-cc @wysidiacc @ccsimsfindss4 @maxismatchccworld @lotusplumbob @toastyccfinds @cookiesccfinds @strangecowplantfinds @shaenaeccfinds @eanyroseccfinds @kairasimsccfinds @anikasims @blueishccfinds @petiteluneccfind @alt-lanaccfinds @cc-kallo @ccaholic @ccfindsims4 @brindletonccfinds @cinnamonfinds @arcchive @missimformationccfinds @biancmlfinds @kisaccfinds @ceeplays @llama--plumbobcc @luckyduckycc @faeirysims @tenshialaya

[r3starttt]

𝐊!𝐍𝐊𝐓𝕲𝐁3𝐑 ♱ུ⃛ᰭ by 𝖗.𝖘𝖗𝖆𝖗𝖙𝖙𝖙

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[TAGLIST]

This is a series of short blurbs-drabbles-one shots that contain explicit sexual content and potentially triggering themes. Viewer discretion is advised. ©𝖗.𝖘𝖗𝖆𝖗𝖙𝖙𝖙

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‣̲ ❪ 01) BREEDING KINK dom! Abby

‣̲ ❪ 02) MOMMY KINK soft!dom! Dina

‣̲ ❪ 03) FACE SITTING dom! Abby

‣̲ ❪ 04) PRAISE KINK soft!dom! Caitlyn

‣̲ ❪ 05) MARKING KINK sub! Vi

06

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07

‣̲ ❪ 08) PRAISE KINK soft!dom! Dina

‣̲ ❪ 09) GHOSTFACE dom! Abby

‣̲ ❪ 10) MIRROR SEX dom! Caitlyn

‣̲ ❪ 11) DACRYPHILIA dom! Ellie

‣̲ ❪ 12) HAIR PULLING sub! Caitlyn

13

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14

‣̲ ❪ 15) BONDAGE sub! Abby

‣̲ ❪ 16) GUN PLAY dom! Caitlyn

‣̲ ❪ 17) BLADDER CONTROL dom! Abby

‣̲ ❪ 18) GHOSTFACE dom! Ellie

‣̲ ❪ 19) WAX PLAY sub! Caitlyn

20

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21

‣̲ ❪ 22) WEREWOLF reader x Abby

‣̲ ❪ 23) VAMPIRE reader x Caitlyn

24

‣̲ ❪ 25) HUNTER ellie x vamp! reader

‣̲ ❪ 26) VAMPIRE dina x reader

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27

‣̲ ❪ 28) VAMPIRE ELLABS

‣̲ ❪ 29) GHOSTFACE CAITVI

30

‣̲ ❪ 31) JENNIFER'S BODY Abby x reader

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Please note that everything depicted is fictional, created purely for entertainment and creative exploration.

Remember, consent is key—"no" always means "no," without exception. I do not support or condone any dangerous, non-consensual behavior, unhealthy power dynamics, significant age differences, or actions that are disrespectful or harmful. These works are fictional and meant to explore darker elements of fanfiction as a creative exercise.

If you feel that any content is offensive or disrespectful, please inform me, and I will address it immediately. It is never my intent to offend or harm anyone.

[tojisun]

my baby swingin’ — simon (ghost) riley

biker!simon (ghost) riley x fem reader

> a bunch of snapshots of simon and his pretty little sweetheart’s adventures.

!! suggestive - minors dni; canon divergence; no chronological order (basically a bunch of loosely-tied worldbuilding); subtle and hinted age difference; reader gets princess treatment because she deserves it so!!

: im the one who’s the most confused as to how my obsession with biker!simon started but im stringing u along anyway so pls have fun!! my inbox is open for brainworms <33

for all posts, pls click on biker!simon tag <33

part 01 - intro post; headcanons

part 02 - simon can’t wait to come home to you

part 03 - getting over your fear of riding a bike

part 04 - lap sitting (a visual); ask

part 05 - simon and your first meeting; ask // extra 01

part 06 - little donuts at the park <;33

part 07 - simon’s instagram account (includes visuals); ask

part 08 - teasin’ each other on their way home; ask; suggestive

part 09 - body worship (a visual); ask; suggestive

part 10 - getting over your fear of riding a bike sequel! (a visual); ask

part 11 - mutual desperation spilling over; smut

part 12 - burning from all these messages; smut

part 13 - scary mask!! (a visual); ask

part 14 - of prince charming and care packages

part 15 - scary ghost? yes. protective ghost? yes <;33; ask

part 16 - safe drive!; ask

part 17 - simon and your first meeting cont.; ask; smut

part 18 - fun times on his bike; ask; smut

-

extra 02 - your nephew’s new favourite adult (a visual); ask

extra 03 - biker!konig makes an appearance!!! (a visual); ask

extra 04 - smack! smack! smack! (a visual); ask

extra 05 - picking up the backpack (a visual); ask

extra 06 - you don’t use it, you lose it; ask

extra 07 - price on a harley; ask

extra 08 - helmet kiss (a visual); ask

extra 09 - ‘girls cum first’ sweater (a visual); ask; smut

extra 10 - tf141 and their shared backpack princess; ask

extra 11 - period cramps and cuddling; ask

extra 12 - of checkpoint videos & dashing men (a visual); ask

extra 13 - no backpacks allowed (a visual); ask

extra 14 - he slipped!! (a visual); ask

extra 15 - her famous luvr; ask (a visual)

extra 16 - keys and kisses; ask

extra 17 - simon announcing his girl (includes visual!); ask

extra 18 - careful now (a visual); ask

extra 19 - they’re friends??

extra 20 - pretty blue lace; ask; smut

extra 21 - dad!simon (a visual); ask

extra 22 - lil smut (a visual); ask

extra 23 - riding on the rain (a visual); ask

extra 24 - girl dad simon; ask

extra 25 - gorgeous and protective (a visual); ask

extra 26 - zip that shit up (a visual); ask | recent!

-

dear john - dbf!simon

↳ for all toxic/dbf simon pls click on dbf!simon tag!!

toxic dad’s best friend biker!simon au; ask; angst + smut

‘dear john’: cont. of toxic dad’s best friend biker!simon au; ask; angst + suggestive

mini cont of dear john; ask

dear john (but it’s john price); ask

dear john (how he fucks); smut

dear john (as illicit affairs); ask; angst + smut

dear john (illicit affairs origin); angst + smut

dear john (illicit affairs origins but as reader); ask; angst + suggestive

dear john (reader moving on); ask | recent!

-

subset 01 - best friend n biker!simon au; ask

subset 02 - best friend n biker!simon au cont.

subset 03 - bimbo!reader

unofficial extra - baker!simon

-

i have a short taglist so pls lmk if you would like to be tagged too ^v^ no more taglist

(updated: 16 march 2024)

[bacchuschucklefuck]

soon it'll be dawn again

transcript under the cut ⏬

page 01

Fig: no way? - you're still up?

Riz: Wh– yes?

Riz: Why'd I not be.

page 02

Fig: I me~~ean - that took.

Fig: whole day.

Riz: Yeah?

Fig: 'm beat.

Riz: you should sleep.

page 03

Fig: nah. my guy's still up

Fig: I wanna hang out.

page 04

Riz: That's really nice.

Fig: Hah! - Nobody ever expects an Archdevil rockstar to be nice.

Riz: … yeah. - 's just budget work tho. (the stuff I'm working on) - I've heard it's boring.

page 05

Fig: yeah, but you do it…

Riz: It keeps things going, right? - Nothing happens if nobody sits down and - does the thing.

Fig: That's right… - though. Yeah.

page 06

Fig: sometimes it's someone else who - doesn't want the same thing to happen.

Riz: … - mm.

page 07

Riz (off screen): …It took me a long time to get that not everyone likes doing what I do. - 's probably because you guys are so nice– - or. - kind.

Riz (off screen): to anyone too, not just. - the people you /love/.

page 08

Riz: that's not how it is elsewhere. - The world's– not. hostile. - but 's not like it's kind.

Riz: So I'm doing as much as I can now… 

page 09

Fig: Hey.

Riz: ?

Fig: Go dig some dirt with me.

page 10

Riz: [blank speech bubble] - oh you meant like - actual dirt. (not incriminating information)

Fig: o yea.

Fig: there's clay in the backyard soil. - sometimes when I'm sun deficient or something I go touch dirt for a bit.

page 11

Fig: here u go

page 12

Riz: uh

Fig: now we make a thing! - 'm pretty good at freehanding a bowl.

Fig: I'll show u

page 13

Fig: just– yep, flatten that out as evenly as u can, then–! - actually ur nails'd be so good at cutting out the strip. [larger than usual space] wait. - wait. wait u can carve patterns with them! we HAVE to try

Riz: uh - What. do I carve?

Fig: anything!!!

page 14

Fig: and– yep just seal the inside uh. seam?

Fig: yep that works - okay time's up! all contestant hands up

Riz: [blank speech bubble] - okay - wh. what's next?

Fig: haha - watch this.

(sound effect text): FWOO—MP

page 15

Riz: WH– DON'T JUST DO THAT???

Fig: Now it's fired!

Riz: THAT WAS NOT SAFE

Fig: (actually it's just dry. if u add water rn it'll dissolve)

Fig: ok catch!

Riz: [blank speech bubble] - careful!!

Fig: dw no need haha

page 16

Riz (thought bubble): oh - it's warm…

Fig: now I want you to throw this.

page 17

Fig: u gotta do it - c'mon

page 18

Riz: wh– - It's like 3AM right now

Fig: oh it's not /fired/ fired it's not gonna make a loud noise

Riz: And then just? leave a pile out here?

Fig: pour water over it & it'll be gone I told u

Riz: but

page 19

Fig (off screen): RIz.

page 20

Fig: I've done all this before.

Fig: Can you trust that at least?

page 21

Riz: no, I– - I do. - I trust you.

page 23

Riz: okay what happens now

(sound effect text): glob

page 24

Fig: we do it again!

page 25

Riz: wh. [larger than usual space] What do you mean. (this clay's too wet also)

Fig: see! you're already learning

Fig: [blank speech bubble] - there are flows that are futile to fight. - The world changes.

Fig: Things change.

page 26

Fig: I've learned my lessons with "forevers". - But - as an artist

Fig: I can give you one thing: - You can always do it again.

page 27

Fig: most of everything depends on the rest of the world, - but this. - making new. - that's yours as long as you want it.

page 28

Fig: So?

page 29

Riz: Yeah. - Yeah! - let's make another one.

[jjunieworld]

ALL FOR A BET ⸝ ˚⋆

pairing: choi soobin x fem!reader

featuring — the rest of txt, yunjin & sakura from le sserafim, jake & sunghoon from enhypen

genre: smau + written, non!idol au, college au, angst, slight unrequited love, fluff, eventual smut

synopsis: choi soobin has always been the popular kid surrounded by his popular friends. you... not so much. one night, soobin and his friends make bet that soobin can't get you to date him in a month. unfortunately for you, you're a hopeless romantic.

warnings: swearing, some bullying, drinking/alcohol, sexual innuendos, lots of love confessions, at some point soobin gets on his knees and begs, some blackmailing, lots of fighting (check chapters for warnings!)

status: complete┊schedule: thurdays, sundays, whenever started: 12/16/23┊ended: 2/22/24 taglist: closed. note: inspired by pink in the night by mitski (more of the general vibes than an actual inspiration)

profiles. the romantics┊the it group

00. prologue ⸝ ˚⋆ 01. oh “dear diary” ⸝ ˚⋆ 02. at 6pm tomorrow ⸝ ˚⋆ 03. spongebob character headass ⸝ ˚⋆ 04. tainted ⸝ ˚⋆ 05. white girl wasted!!!! ⸝ ˚⋆ 06. ghosting ⸝ ˚⋆ 07. wtf is your issue? ⸝ ˚⋆ 08. empty ⸝ ˚⋆ 09. more than anything ⸝ ˚⋆ 10. my beautiful y/n ⸝ ˚⋆ 11. coolest kidz on da block! ⸝ ˚⋆ 12. can you fight?? ⸝ ˚⋆ 13. heart eyes ⸝ ˚⋆ 14. analyzed ⸝ ˚⋆ 15. pink in the night ⸝ ˚⋆ 16. i’ve hacked the system ⸝ ˚⋆ 17. sighs loudly ⸝ ˚⋆ 18. in the clouds ⸝ ˚⋆ 19. backup plan ⸝ ˚⋆ 20. icarus ⸝ ˚⋆ 21. half alive ⸝ ˚⋆ 22. safe space ⸝ ˚⋆ 23. spontaneous movie night ⸝ ˚⋆ 24. the beating heart ⸝ ˚⋆ 25. operation: get him back ⸝ ˚⋆ 26. cmon carrie underwood! ⸝ ˚⋆ 27. the elevator ⸝ ˚⋆ 28. i was right ⸝ ˚⋆ 29. a serious chat ⸝ ˚⋆ 30. it’s not love ⸝ ˚⋆ 31. we are so back!!! ⸝ ˚⋆ 32. just ask and i’ll show you ⸝ ˚⋆ 33. cornered me ⸝ ˚⋆ 34. get a room ⸝ ˚⋆ 35. at 6pm tomorrow (reprise) ⸝ ˚⋆

epilogue. notes between the fabrics

© jjunieworld - all rights reserved. please do not repost on any social media sites, translate, or modify any of my works.

masterlist┊request rules

[021894s]

Twisted Ties - psh smau

PLEASE DO NOT SPAM LIKE CHAPTERS

PAIRING: brothers bsf!sunghoon x f!reader

GENRE: childhood friends to loves, forbidden love, fake dating

SUMMARY: In the midst of her chaotic college life, Y/N is blindsided by an invitation to her ex's wedding. With no date in sight and the event looming, her brother throws a lifeline by suggesting she bring his best friend. the mix of nostalgia and free-flowing champagne leads to an unexpected night of passion. Now, Y/N must navigate through a storm of emotions and the potential drama within her tight-knit circle, all while juggling her academic responsibilities. Will this one night stand alter their friendship forever, or could it be the beginning of something new?

WARNINGS: smut, angst, fluff, language

FEATURING: enhypen hyung + makenae line, fromis9 saerom, nct jeno, occasionally other idols

STARTED: april 26 2024

STATUS: completed

join taglist (CLOSED)

- profiles: scholars ksana

- 01 life of the party

- 02 the invite [1.5k w]

- 03 just don’t fuck him

- 04 rules and regulations

- 05 night out

- 06 shopping spree

- 07 stress reliever

- 08 exam day

- 09 japan

- 10 the wedding [4.9k w]

- 11 I fucked up. [1.6k w]

- 12 liquid courage

- 13 jealousy

- 14 unbothered, always

- 15 unexpected guest

- 16 petty [1.3k w]

- 17 longing [3.5k w]

- 18 I wish it was easier…

- 19 pretty

- 20 complicated [0.7k w]

- 21 my girl

- 22 idiot

- 23 back to school

- 24 who are you? [1.7k w]

- 25 they’re onto us

- 26 girlfriend era

- 27 revelation

- 28 betrayal, hurt, reconciliation

a/n: AHHH i’m so excited to introduce my first full length smau!! i really hope you guys enjoy it, it’s been stuck in the back of my head for a while now. more updates to come!!

taglist: @cornenhapovs @myjaeyuns @magssu @leeknowsgfsblog @luminouskalopsia @jentlecoeur @heeslut4life @variety-is-the-joy-of-life @jaeyungxrl @rapmonie2047 @anormieee @nishislcve @leesura @en-happiness @kimsunoops @heelariously @rikiwaify-blog

[jius-sims]

Flats Collection 03

[Jius] Platform Slippers 04

20 swatches

13k+ Polygons

---------------------------------

[Jius] Platform Flat Sandals 01

35 swatches

11k+ Polygons

---------------------------------

[Jius] Pointed Toe Flats 01

30 swatches

6k+ Polygons

----------------------------------

[Jius] Thong Flat Sandals 01

35 swatches

7k+ Polygons

----------------------------------

HQ✔️ Custom thumbnail✔️ All lods✔️  

Patreon ( Early access )

❤️Public release on 06 June, 2023❤️

[zyafics]

HEARTBREAK: LIVE | Masterlist

Rafe Cameron's MASTERLIST | Social Media AU

Pairing — Ex-BF!Rafe x Radio Host!Female Reader

Summary — You and Rafe were the perfect couple. But after a mysterious breakup, you went off the grid. When your best friends pulls you back into the spotlight to host a on-campus radio show, you find yourself opening up to the world about your experience. This time, with everyone listening—including Rafe. And him? He wants you back.

Content — college au, football player!rafe au

NAVIGATION —

hb:l asks – hb:l thoughts – hb:l theories – hb:l analysis – playlist

TABLE OF CONTENT —

✶ Part 01 ✶ Part 02 ✶ Part 03 ✶ Part 04 ✶ Part 05

✶ Part 06 ✶ Part 07 ✶ Part 08 ✶ Part 09 ✶ Part 10

✶ Part 11 ✶ Part 12 ✶ Part 13 ✶ Part 14 ✶ Part 15

✶ Part 16 ✶ Part 17 ✶ Part 18 ✶ Part 19 ✶ Part 20

✶ Part 21 ✶ Part 22 ✶ Part 23 ✶ Part 24 ✶ Part 25

✶ Part 26 ✶ Part 27 ✶ Part 28 ✶ Part 29 ✶ Part 30

✶ Part 31 ✶ Part 32 ✶ Part 33 ✶ Part 34 ✶ Part 35

✶ Part 36 ✶ Part 37 ✶ Part 38 ✶ Part 39 ✶ Part 40

✶ Part 41 ✶ Part 42 ✶ Part 43 ✶ Part 44 ✶ Part 45

✶ Part 46 ✶ Part 47 ✶ Part 48 ✶ Part 49 ✶ Part 50

✶ Part 51 ✶ Part 52 ✶ Part 53 ✶ Part 54 ✶ Part 55

✶ Part 56 ✶ Part 57 ✶ Part 58 ✶ Part 59 ✶ Part 60

✶ Part 61 ✶ Part 62 ✶ Part 63 ✶ Part 64 ✶ Part 65

EXTRAS —

✶ when reader blocks rafe on all socials

✶ when it's 'national text an ex' day

✶ when reader posts about rafe on instagram

✶ rafe and reader's clay date night

✶ reader watching their football edit

✶ reader sending rafe a football tiktok

IMPORTANT INFO ABOUT TAGLIST AND UPDATES: if you want to be notified about all my fics and updates, follow @zyafics-library and turn on notifications! however, if you want to be added to this specific taglist, let me know (but to remain tagged, you must interact with the posts).

[sungiejpg]

HOT TO GO!; jeno [smau] masterlist

synopsis: being aespa’s stylist is an easy and a lovely job, that’s what yn thought until she met Jeno by mistake. She now finds him scary

PAIRING jeno x f!reader

TAGS idol au, fluff, humour, maybe slow burn

WARNINGS some suggestive language

STATUS ongoing

track 00. the stylist

track 00. the idol

track 💕: INTRO

track 01. why we don’t go to sm

track 02. bad news

track 03. fixed

track 04. pretty people

track 05. another one

track 06. winter’s friend

track 07. new friends, cat memes and drama

track 08. confessions and besties

track 09. so chenle was right

track 10. the girls are fighting

track 11. hype for nothing

track 12. there is no chat and no jaemin

track 13. night in with the girls

track 14. forgiving and forgetting pt.1

track 15. we lost the complete plot

track 16. bitchless

track 17. apologies

track 18. maybe I have feelings

track 19. I got too silly

track 20. awkward

track 21. hello i'm crazy

track 22.

track 23.

track 24.

and many more..

tags are closed!

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

[hoonvrs]

TRAINEES — l. heeseung smau

PAIRING heeseung × fmr

SYNOPSIS heeseung wasn’t known as ‘the ace’ for nothing, constantly ranking number one after every monthly evaluation. then suddenly a new name takentakes over first place — baek ‘Rin’, and heeseung doesn’t take lightly to competition.

GENRE smau, fluff, crack, more to be added

FEATURING ( enha ) all, ( fromis9 ) chaeyoung, jiheon, ( txt ) yeonjun, ( newjeans ) minji

WARNINGS swearing, kys/kms jokes, friendly bullying, sex jokes, loser heeseung ( more will be added if necessary )

STATUS ongoing, slow updates

TAGLIST ( OPEN )

S. NOTE new smau and as the queen of loser!enha that means loser heeseung agenda dun dun dunnn ( let’s completely ignore timelines cause if i keep switching between new and old pics don’t clock me.. )

noot hee you will always be famous

also please don't spam like as it shadowbans me and lessens engagement <3

PROFILES

flower boys | hybestars

CHAPTERS

01 bang sihyuk count your days.

02 ain’t that ur rank

03 sunKISS MY ASS

04 i purple you heh

05 she gagged you omg

06 meeeeee :3

07 u pack of slags

08 Woah, calm down jamal

09 rupaulations 4:20

10 is somebody gonna match my freak

11 isn’t she so dreamy ( + 0.1k wc )

12 Donatella VERSACE

13 go train with your other bitch then

14 yare yare heeseung kohai

15 shoulda coulda woulda

16 STAY AWAY FROM HER

17 enemies 2 friends 2 strangers

18 not me I don’t care

19 whys he kinda good….

20 double homicide

21 macbeth hyungnim

22 u send?

23 eat a taki moss

24 u need psychological belp.

25 im gonna hump someone

26 SIX BOMBACLART EGGS

27 i’m no longer a penis boy

28 who let the schizo out

29 and the crowd is…confused??

...more to be added

copyright © hoonvrs 2024 all rights reserved